Column

Housing market

Table specification

Month Date Amortization Interest (%) Loan to pay Loan paid Loan paid (%) Interest Amortization (%) Pay per month
40 Jan 2022 2’583 1.38 1’449’263 100’737 6.5 1’666.65 2.13874 4’249.65
39 Dec 2021 2’583 1.38 1’451’846 98’154 6.3 1’669.62 2.13494 4’252.62
38 Nov 2021 2’583 1.38 1’454’429 95’571 6.2 1’672.59 2.13115 4’255.59
37 Okt 2021 2’583 1.38 1’457’012 92’988 6.0 1’675.56 2.12737 4’258.56
36 Sep 2021 2’583 1.38 1’459’595 90’405 5.8 1’678.53 2.12360 4’261.53
35 Aug 2021 2’583 1.38 1’462’178 87’822 5.7 1’681.50 2.11985 4’264.50
34 Jul 2021 2’583 1.38 1’464’761 85’239 5.5 1’684.48 2.11611 4’267.48
33 Jun 2021 2’583 1.38 1’467’344 82’656 5.3 1’687.45 2.11239 4’270.45
32 Maj 2021 2’583 1.38 1’469’927 80’073 5.2 1’690.42 2.10868 4’273.42
31 Apr 2021 2’583 1.38 1’472’510 77’490 5.0 1’693.39 2.10498 4’276.39
30 Mar 2021 2’583 1.38 1’475’093 74’907 4.8 1’696.36 2.10129 4’279.36
29 Feb 2021 2’583 1.38 1’477’676 72’324 4.7 1’699.33 2.09762 4’282.33
28 Jan 2021 2’583 1.38 1’480’259 69’741 4.5 1’702.30 2.09396 4’285.30
27 Dec 2020 2’583 1.38 1’482’842 67’158 4.3 1’705.27 2.09031 4’288.27
26 Nov 2020 2’583 1.38 1’485’425 64’575 4.2 1’708.24 2.08668 4’291.24
25 Okt 2020 2’583 1.38 1’488’008 61’992 4.0 1’711.21 2.08305 4’294.21
24 Sep 2020 2’583 1.38 1’490’591 59’409 3.8 1’714.18 2.07944 4’297.18
23 Aug 2020 2’583 1.38 1’493’174 56’826 3.7 1’717.15 2.07585 4’300.15
22 Jul 2020 2’583 1.38 1’495’757 54’243 3.5 1’720.12 2.07226 4’303.12
21 Jun 2020 2’583 1.38 1’498’340 51’660 3.3 1’723.09 2.06869 4’306.09
20 Maj 2020 2’583 1.38 1’500’923 49’077 3.2 1’726.06 2.06513 4’309.06
19 Apr 2020 2’583 1.38 1’503’506 46’494 3.0 1’729.03 2.06158 4’312.03
18 Mar 2020 2’583 1.38 1’506’089 43’911 2.8 1’732.00 2.05805 4’315.00
17 Feb 2020 2’583 1.38 1’508’672 41’328 2.7 1’734.97 2.05452 4’317.97
16 Jan 2020 2’583 1.38 1’511’255 38’745 2.5 1’737.94 2.05101 4’320.94
15 Dec 2019 2’583 1.38 1’513’838 36’162 2.3 1’740.91 2.04751 4’323.91
14 Nov 2019 2’583 1.38 1’516’421 33’579 2.2 1’743.88 2.04402 4’326.88
13 Okt 2019 2’583 1.38 1’519’004 30’996 2.0 1’746.85 2.04055 4’329.85
12 Sep 2019 2’583 1.38 1’521’587 28’413 1.8 1’749.83 2.03708 4’332.83
11 Aug 2019 2’583 1.38 1’524’170 25’830 1.7 1’752.80 2.03363 4’335.80
10 Jul 2019 2’583 1.38 1’526’753 23’247 1.5 1’755.77 2.03019 4’338.77
9 Jun 2019 2’583 1.38 1’529’336 20’664 1.3 1’758.74 2.02676 4’341.74
8 Maj 2019 2’583 1.38 1’531’919 18’081 1.2 1’761.71 2.02334 4’344.71
7 Apr 2019 2’583 1.38 1’534’502 15’498 1.0 1’764.68 2.01994 4’347.68
6 Mar 2019 2’583 1.38 1’537’085 12’915 0.8 1’767.65 2.01654 4’350.65
5 Feb 2019 2’583 1.38 1’539’668 10’332 0.7 1’770.62 2.01316 4’353.62
4 Jan 2019 2’583 1.38 1’542’251 7’749 0.5 1’773.59 2.00979 4’356.59
3 Dec 2018 2’583 1.38 1’544’834 5’166 0.3 1’776.56 2.00643 4’359.56
2 Nov 2018 2’583 1.38 1’547’417 2’583 0.2 1’779.53 2.00308 4’362.53
1 Okt 2018 2’583 1.38 1’550’000 0 0.0 1’782.50 1.99974 4’365.50

Column

Loan payed

Summary costs and possible gains (assuming 30% tax on the gain)

Month Percentile Estimated value Down payment Loan Loan left Loan paid Gain
40 Ref 2’000’000 450’000 1’550’000 1’449’263 100’737 550’737
40 10% 2’094’634 450’000 1’550’000 1’449’263 100’737 616’981
40 15% 2’134’994 450’000 1’550’000 1’449’263 100’737 645’233
40 20% 2’179’987 450’000 1’550’000 1’449’263 100’737 676’728
40 25% 2’207’136 450’000 1’550’000 1’449’263 100’737 695’732
40 30% 2’220’010 450’000 1’550’000 1’449’263 100’737 704’744
40 35% 2’231’803 450’000 1’550’000 1’449’263 100’737 712’999
40 40% 2’241’437 450’000 1’550’000 1’449’263 100’737 719’743
40 45% 2’251’001 450’000 1’550’000 1’449’263 100’737 726’438
40 50% 2’260’008 450’000 1’550’000 1’449’263 100’737 732’743
40 55% 2’269’015 450’000 1’550’000 1’449’263 100’737 739’048
40 60% 2’272’013 450’000 1’550’000 1’449’263 100’737 741’146
40 65% 2’274’259 450’000 1’550’000 1’449’263 100’737 742’718
40 70% 2’282’510 450’000 1’550’000 1’449’263 100’737 748’494
40 75% 2’293’764 450’000 1’550’000 1’449’263 100’737 756’372
40 80% 2’310’010 450’000 1’550’000 1’449’263 100’737 767’744
40 85% 2’332’495 450’000 1’550’000 1’449’263 100’737 783’484
40 90% 2’350’987 450’000 1’550’000 1’449’263 100’737 796’428

Structure of the amount per month paid